When seeking an advisor, be looking for these crucial qualities:
1. Best interest of the client
All advice and recommendations made are in the client’s best interest. This is our most important and first principle.
2. Fiduciary standard
Pursuant to the Investment Advisors Act of 1940, and other applicable laws, we follow a fiduciary duty standard of care. This is the highest legal duty of care recognized in the law — in contrast to the less stringent caveat emptor (buyer-beware) approach, with a mere “suitability standard” followed by commissioned brokers.
3. Personalized financial planning and investment management
Our approach to financial planning and investment management is to place the client in the most advantageous portfolio within their unique volatility risk and expected return profile.
4. Investment Policy Statement
Once a client’s volatility risk and expected return profile has been determined based upon a thorough review of the client’s unique strategy, personal situation, and willingness, ability and need to accept market risk a formalized written Investment Policy Statement is established to ensure consistent adherence.
5. Long-term horizon
Our advice is oriented to the long-term, retirement or other needs being met with the least amount of volatility risk and cost along the way. We are not attempting to time markets or capture alpha.
6. Highly-educated and experienced advisors
Our clients benefit from a team of professionals. Our advisors hold many advanced degrees and designations including Doctor of Law (JD), Master of Science in Financial Services, Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), Chartered Retirement Plan Specialist (CRPS) and Personal Financial Specialist (PFS) to meet our client’s needs at the very highest level of excellence.
7. Solution-driven, not product-driven
We seek solutions for the well-developed investment planning needs of our clients. We do not seek to sell a product or service. Indeed, we are not licensed to accept any commissions of any kind.
8. Fee-only (not merely fee-based) Investment Management
We provide fee-only investment management, without commissions, with our fees based on a percentage of your assets that we manage. This approach avoids potential conflicts of interests with our clients and provides for a true alignment of interest between client and advisor.
9. Full disclosure and transparency
All fees, costs, expenses, volatility risks, expected returns and other important matters are fully disclosed and made transparently accessible to our clients.
10. Research-oriented, evidence-based investing
Our advice is based upon the latest, peer-reviewed, evidence found in academic and professional journals in the field of finance, investment management, and tax management. In addition to seeking broad global diversification both within and among asset classes according to the tenets of Modern Portfolio Theory, we assist with appropriate asset location between taxable versus tax-advantaged accounts.